PackageTrendsPeer
Letter portraitLegal landscape

Farmers State Bank

Big Springs, NE · Cert 18712

FDIC

Q3 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2006, the quarter ended September 30, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers State Bank

Big Springs, NE · Cert 18712

FDIC

Q3 2006

$18.7MAssets
$6.2MLoans
$15.8MDeposits
$2.9MEquity
Deposit mix
85%Interest-bearing $13.5M15%Noninterest $2.3MQ3 2005Q3 2006

NIM

3.69%Q3 ’044.18%Q3 ’054.74%Q3 ’06-12%0%

Non-interest income vs. expense

2.97%Q3 ’042.48%Q3 ’052.64%Q3 ’06-20%+7%

Executive Summary

  • Earnings: ROA of 0.25%, down 15 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 39.32% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.25%-15 bps YoY

Net Interest Margin (YTD, annualized)

2.64%-1 bps YoY

Efficiency Ratio (YTD, annualized)

90.91%+573 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.40%0.33%0.79%0.27%0.25%-15 bps
Return on Equity2.81%2.32%5.33%1.83%1.68%-113 bps
Net Interest Margin2.65%2.62%3.19%2.69%2.64%-1 bps
Efficiency Ratio85.18%87.74%77.38%90.53%90.91%+573 bps
Non-Interest Burden2.22%2.27%2.42%2.41%2.38%+16 bps
Growth
Asset Growth (YoY)6.20%-1.41%-7.29%-2.14%-6.08%-1,228 bps
Loan Growth (YoY)-1.57%-1.99%20.75%18.49%9.81%+1,138 bps
Deposit Growth (YoY)18.68%-4.58%-8.58%-1.99%-7.21%-2,589 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.04%0.00%0.00%0.00%-5 bps
Allowance / Loans1.47%1.59%1.32%1.31%1.34%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital25.29%26.38%25.04%24.65%24.39%-89 bps
Equity / Assets14.40%14.64%15.15%14.96%15.37%+97 bps
Liquidity & Funding
Loans / Deposits33.22%32.54%39.22%39.59%39.32%+610 bps
Liquid Assets / Assets38.84%39.81%33.32%30.70%25.09%-1,374 bps
CRE / Total Capitaln/an/an/an/an/an/an/a